The Difference Between Flood Damage and Water Damage Claims

Many people don't know the difference between flood damage and water damage. As a result, they often make the mistake of filing a water damage claim when they should be filing a flood damage claim - or vice versa. It's important to know the difference between the two so that you can get the coverage you need and deserve from your insurance company.

In Central Florida, we are especially susceptible to flooding due to our proximity to bodies of water like lakes, rivers, and the ocean. That's why it's so important to understand the difference between flood damage and water damage before disaster strikes. Read on to learn more.

What is Flood Damage?

Flood damage is defined as any type of water damage that occurs when excess water from outside enters your home or business. In order for a claim to be considered flood damage, it must meet certain criteria set forth by your insurance company. For example, most insurance companies require that there be at least two acres of land that are flooded in order for a claim to be considered flood damage.

What is Water Damage?

Water damage, on the other hand, is defined as any type of water damage that occurs inside your home or business - regardless of the source. This could include anything from a leaky pipe to a broken washing machine. As long as the source of the water is inside your home or business, it is considered water damage.

Which One Should I File?

The answer to this question depends on several factors. First, you need to determine whether or not your insurance policy covers flood damage. If it does not, then you will need to file a water damage claim - even if the source of the water is from outside your home or business.

Second, you need to determine whether or not your home or business is located in a designated flood zone. If it is not located in a designated flood zone and you have not purchased additional flood insurance, then you will need to file a water damage claim - even if the source of the water is from outside your home or business.

In summary, flood damage and water damage are two very different things - although they are often confused with one another. If you're ever unsure about which type of claim to file, seeking assisntance to a public claims adjuster such as Five Star Claims Adjusting could help you determine which type of claim you need to file based on your specific policy and situation. Let us maximize your insurance claim. Contact us to get started.